삼성화재

000810KOSPI보험업

60.5 / 100

Reference Date: 2026-07-24

Financial Score22.5 / 40

News Sentiment15.9 / 25

Momentum12.0 / 20

Disclosure10.0 / 15

AI Analysis: the debt ratio is very low with excellent financial health but PBR raises overvaluation concerns. Roughly flat over the past month, and news sentiment is negative.

Company InformationBased on 2025 Annual Report(Summary based on 2024)

Business Overview

Samsung Fire & Marine Insurance Co., Ltd. specializes in domestic and international property and casualty insurance, offering a range of products including general insurance, auto insurance, and long-term insurance. In 2024, the company recorded insurance premiums of KRW 17.05 trillion and a net profit of KRW 2.478 trillion. It has expanded its presence in overseas markets such as Indonesia, Vietnam, and Europe, and provides differentiated customer service through claims adjustment and consultation services.

Number of Employees

5,535people

Average Salary

158.5M KRW

Score Calculation Basis

Detailed Financial Score

PER

13.44Industry Average 9.533.0Point

Higher than industry avg (caution)

PBR

1.34Industry Average 0.691.0Point

1.9x industry avg (risky)

ROE

10.95Industry Average 7.295.5Point

1.5x industry avg (good)

Debt Ratio

352.98Industry Average 877.796.5Point

Half of industry avg (excellent)

Trend 2023~20256.5 / 10 points

Revenue Growth Rate

2.0 / 3

Avg ▲9.1% (2-year basis)

Operating Profit Growth Rate

2.0 / 3

Avg ▲6.4% (2-year basis)

ROE Trend

2.5 / 4

Avg ROE 12.2% (declining, 3yr)

Detailed News Sentiment

63 totalPositive 18Neutral 24Negative 21Average Sentiment Score 63.8

Neutral
KB손보, 보유계약 CSM 10조 돌파…자차손해율에 순익은 뒷걸음
KB손해보험의 CSM이 10조원을 돌파했으나, 상반기 자동차 손해율 상승으로 순익이 감소한 점이 언급되어 삼성화재에 직접적인 영향은 제한적임.
Positive
‘10조 시장’ AI 데이터센터 보험시장 뜬다
AI 기술 도입으로 데이터센터 보험 시장이 성장하며 삼성화재의 새로운 기회가 열리고 있다.
Negative
보험료 올렸는데 자동차보험 손해율은 상승하는 이유는?
보험료 인상에도 불구하고 자동차보험 손해율 상승으로 삼성화재의 수익성이 악화되고 있다.

Detailed Momentum

52-week position6.0Point

52w upper range (70%)

Current 638,000Won52-week high 730,00052-week low 417,500

1-month return3.0Point

1m 0.31% (flat)

Volume trend3.0Point

Volume flat

Detailed Disclosure

10 totalPositive 0Neutral 10Negative 0

Neutral계열금융회사의약관에의한금융거래-[유가증권-수익증권]2026-07-14
Neutral계열금융회사의약관에의한금융거래-[유가증권-채권]2026-07-14
Neutral계열금융회사의약관에의한금융거래-[보험]2026-07-14
Neutral지속가능경영보고서등관련사항(자율공시)2026-06-30
Neutral특수관계인과의수익증권거래2026-06-26